Gem Visa

Gem Visa help & tools

Manage the amount of future interest you pay
It's now easier than ever to manage your interest free purchases! We've designed your statement to be as simple as possible, outlining the information you need to easily keep track of your interest free and buy now pay later purchases, including a Payment to Reduce Future Interest amount. This helps you work out how much you need to pay each month to reduce the amount of interest you pay in the future.
New section on your Gem Visa statement to help reduce interest

How much do you need to pay to avoid future interest?
Each month you’ll still need to pay the Total Due. Paying the Payment to Reduce Future Interest amount is optional and you don't need to pay this amount each month, however if you do, you'll end up paying a lot less interest and you may not pay any at all.

If you're interested you can view a more detailed description on how this amount is calculated, or find out more by viewing our frequently asked questions

Contact Us

  • 1300 630 977
    (International +61 3 9445 0124)
  • Hours of operation
    Monday to Friday:
    8:30am-7pm (AEST)
    Saturday:
    9am-5pm (AEST)
  • Lost and stolen cards
    - 24 hours every day
    1300 630 977 within Australia
    +61 3 9445 0124 from overseas
How do you avoid paying late charges?
We're committed to educating our customers about managing their credit cards effectively. An important part of this is letting you know some of the options available to help you reduce or avoid charges altogether.

  • Make sure you have enough funds in your account so all direct debits and other scheduled payments can be made.

  • Pay special attention when using payment methods such as BPAY and personal cheques, which can take between three to five business days to process.

  • Avoid late charges by ensuring you have paid at least your minimum payment before the due date.


If you're having trouble remembering to pay your account on time, you can register for the Online Service Centre and set up email reminder alerts to help you pay your account on time.

 

Have more questions? View frequently asked questions.
Gem is a registered trade mark in Australia of GE Capital Finance Australia (ABN 42 008 583 588). Credit facility provided by GE Capital Finance
Australia, trading as GE Money. Australian Credit Licence number 392145.